Enness has an exact and trusted place in the mortgage broking market, formed and refined over many years of design (and trial and error). We exist for the following reasons:
Our approach and structure create the following outcomes:
We are confident in our ability to such an extent that we will complete practically all of the work before asking that our fees are paid or agreed. We will understand you, speak to your advisers, research the whole market, negotiate terms, and present them to you all free of charge.
We back ourselves to find the best possible solution, no matter the complexity, without committing the client to any cost or obligation. Except for a small administration fee payable when we start a formal application, we reserve the majority of our fees to delivering what we say we will.
We are happy to work on files for weeks, months and years before asking for any fees to be paid.
We cover the whole market, regulated,unregulated, residential, commercial, bridging, development finance, UK and international. We work with every lender and are not driven by commission. We understand complex structures, financial agreements and think creatively and wildly to find the best solution for the client.
We create solutions to problems, then present them to our clients. We don’t push insurance, wealth management, financial instruments or add ons. Our brokers don’t have any formal targets or quotas.
If our clients ask us for a recommendation, solution or introduction we will, of course, do so – but we don’t sell any other services other than mortgage broking – we think that’s important.
As we are success-based and solution-driven we have nowhere to hide. We also have nothing to gain by not being clear and open.
Our brokers are on your side and are motivated to solve your problems. We will explain all fees, charges, risks, and barriers clearly and openly so that you have the information you need to make an informed decision.
Sometimes, even with the best planning and process, mortgage applications just don’t work. It’s a human process based on subjective decisions and interpretation. Legal titles, valuations and underwriters can throw up the unexpected and sometimes an obstacle appears which just cannot be overcome. These are all pain points for us as well as the client.
We know sometimes things just won’t work so our team will always have a backup or contingency plan in place. Sometimes we will run 2 (or more) applications in tandem to reduce the odds of something scuppering the deal – especially when timelines are tight.
We think this approach and these outcomes create the best position for our clients and make sure that our interests are aligned with them.